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INTRADAY JULY 31ST

BUY EASUN REYROLLE CMP 1360 ...SL 1340 ....TGT 1400 ++

GRAB MSK PROJECT CMP 101.5, IF COME BTW 96-97 ...STRICT SL 95 ...TGT 104 106 N ABOVE ...KEEP IT FOR DELIVERY IF SL DOESN'T HIT

BUY STERLING CMP 170.10 ...STRICT SL 167 ....BUY IT FOR INTRA AS WELL AS DELIVERY IF STOP LOSS DOESN'T HIT

REST CALLS FOR CHAT ROOM N PAID CLIENTS ACCORDING TO MARKET MOOD

How to plan your retirement in 3 simple steps

The second phase of retirement planning is tougher than first phase. Also very less is written about this phase. This is the phase when we survive on our financial capital.

Individuals have two forms of capital, human capital and financial capital. Many of us who work to generate income are human capital. Second form of capital is financial capital. Financial capital is our savings and investment.

How to plan for your retirement?
We start our career as human capital. Over a period of time we save/invest and create financial capital. When we retire we only have financial capital. We remain human capital as long as we keep working. Moment we cease to work we become dependent on our financial capital

In most cases our human capital is stronger than our financial capital. If you are currently earning Rs 3 lakh per annum, you will require at least Rs 37.5 lakh worth of capital to generate income equivalent to your salary at 8.00% return. Also your salary will keep pace with inflation, while your returns from financial capital may or may not beat inflation.

The reason second phase of retirement is more difficult to plan is because, during this phase

We are dependent on our financial capital
There will not be any kind of addition to already created capital
Financial needs are unique and dispersed
During retirement we require liquidity to meet contingencies. We also require regular income to meet routine expenses and we also want our capital to grow at a rate, which is equal to or preferably higher than inflation.

All the three needs of, liquidity, regular income and growth are like three legs of a tripod. All three are needed for the tripod to stand. Unfortunately all are in opposite direction to each other.

If we place our entire retirement corpus into savings bank account, we will have liquidity. However, there will not be any growth. If entire retirement corpus is in stock than there is growth but income may not be regular. On the other hand if we invest all funds into post-office monthly income scheme/senior citizen saving scheme than there is regular income but liquidity will be at a cost of interest/penalty.

Why FMPs are more lucrative than Bank FDs?
For our retirement tripod to stand, we need all three legs to stand in balanced manner. If any one leg is absent or off balance than our entire retirement will become imbalanced.

Mutual funds as an investment vehicle may well be used for planning retirement finances in second phase.

10 myths about Systematic Investment Plans
Contingency/emergency funds can be parked in either liquid funds or floating rate funds. There are few mutual fund companies, which even give access to the investment through ATM facility.

For regular income, either invest in monthly income plans or choose a debt fund and opt for SWP (systematic withdrawal plan).

Lastly, for growing your retirement corpus, opt for equity funds.

Retirement is wonderful. It is doing nothing without worrying about getting caught at it. However, unplanned retirement is exactly the opposite – it is neither wonderful nor worry-free and you will get caught at it!

- Gaurav Mashruwala

The author is a Certified Financial Planner. He may be reached at gmashruwala@gmail.com

WEEKLYCALL 29th JULY- 3rd AUGUST


ZEENEWS CMP 67 ..BUY NEAR 65 ..STRICT SL 64 ...TGT 68 70




INTRADAY 27th JULY

SHORT IFCI CMP 57.75 ..SL 58.1 .... TGT 56 55


REST CALLS FOR CHAT ROOM N PAID CLIENTS ACCORDING TO MARKET MOOD


INTRADAY 19th JULY

BUY DCB ...SL 113 ....TGT 117 119 ..


REST CALLS FOR CHAT ROOM N PAID CLIENTS ACCORDING TO MARKET MOOD

INTRADAY CALL 18th JULY

BUY PRIME SECURITIES CMP 87.7 ...SL 86 ...tgt 90+

BUY ADLABS CMP 555.5 ... SL 547.5 .....TGT 560 565

BUY TELEDATAIN CMP 63.3 ...SL 62.5 ...TGT 65 66

REST CALLS FOR CHAT ROOM N PAID CLIENTS ACCORDING TO MARKET MOOD

INTRADAY 17th JULY

SADBHAV CMP 584. 75 ....SL 580 ....TGT 590 - 592

JPASSO CMP 839 ..BUY ABOVE 841 ..TGT 847

BTST CALL RUNNING
------------------------
DCBL CMP 115.2 ...SL 113 ...TGT 117 119

DELIVERY CALL( 2-3 DAYS)
---------------------------------
HOEC @ 141 ..SL 138 ..TGT 145 150

REST CALLS FOR CHAT ROOM N PAID CLIENTS ACCORDING TO MARKET MOOD


WeeklyCall 16th - 20th JULY

Deccan cmp 141 ...sl 137 ...tgt 145 147 149

Bharti cmp 881 1st sprt 870 2nd sprt 860 ...
tgt 900+

Bhushan steel 735 ...1st sprt 725 2nd sprt 710 ...tgt 755 770

Allahbad bank 91.6 ...sl 88 ..tgt 95 97+


INTRADAY CALL 13th JULY


BUY DCB ABOVE 113.5 ...SL 112.5 ...TGT 115.5 N ABOVE

BUY TV18 ...ABOVE 883 ...SL 880 ....TGT 898



REST CALLS FOR CHAT ROOM N PAID CLIENTS ACCORDING TO MARKET MOOD


INTRADAY 12th JULY

BUY GAIL ONLY IF TOUCH 308-309 ...SL 306....TGT 314 317 319

BUY MCDOWELL ..SL 1210 ....TGT 1230 1239 1249


YESTERDAY BTST
-------------------

SAIL ..SL 136....TGT 140+


REST CALLS FOR CHAT ROOM N PAID CLINETS ACCORDING TO MARKET MOOD



INTRADAY CALL 11th JULY

SHORT INDIABULLS CMP 579... SL 585 ...TGT 571 565


BUY SADBHAV ENGINEERING CMP 591 BETWEEN 575-580 ..SL 570 ...TGT 595 605 IN 1-2 DAYS


REST CALLS FOR CHAT ROOM N PAID CLINETS ACCORDING TO MARKET MOOD


WEEKLY CALL 9th - 13th JULY

Deepakfert CMP 91.8 ..sl 88...tgt 95 97

Bharti CMP 866....Buy if touch 855- 857 ...sl 848...tgt 875 n above

Buy tata steel btw 610 - 615 ..sl 605 ...tgt 625 635

Already running delivery call
--------------------------------

TCIL given @ 99 ..sl 97 ...tgt 120- 130 in 1-3 mnths



Indian Real Estate and the prospects for REITs - BY ICRA

Indian Real Estate and the prospects for REITs - BY ICRA

Submitted by one of our visitor- INVESTOMANIAC

WEEKLYCALL 2nd - 6th JULY'07

hold the below with the idea of 1-2 weeks

cairn india 145.8....SL 140 ...TGT 150 155

IVRCL 359 ....1st SL 350 2nd SL 346 ...TGT 372 375 n above

relcap 1088 ...SL 1080 ...TGT 1120 1130 n above

Call given on Friday for 1-3 days
-------------------------------------

NAGAR FERT given @ 22.7 ...SL 21.5 ...TGT 24 25



Tata Chemicals to enter into bio-fuels

Jun-25-2007
Tata Chemicals to enter into bio-fuels

MUMBAI: Tata Chemicals, which has lined up a one billion dollar investment over the next 2-3 years, will enter into bio-diesel, fresh fruits and vegetables production and distribution as part of its expansion strategy. It has established jatropha cultivation in five regions of the country for production of bio-diesel. Once it is successful, it will be replicated elsewhere in the country for large-scale manufacture of ethanol for blending with petrol. On bio-diesel, jatropha cultivation took at least four years and once the plants matured, an oil mill will be established for extraction of jatropha. About 14 per cent of India's land mass is wasteland which is enough to meet the requirements of bio-diesel for mixing up to 15 per cent diesel.

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